The text message at the beginning of consumer finance is to sue me.

Legal analysis: First of all, these regular licensed consumer finance companies are credit reporting companies, and the sources of funds behind them mostly involve banks. If the borrower has been in arrears, it is very likely that the other party will sue. I'm just saying I won't sue directly. After the user is overdue, I will go through SMS notification reminder, telephone collection, door-to-door inspection, prosecution and other processes.

So, don't take chances. Even if you don't sue, leaving a bad credit record on the credit report will still have great resistance to users' future financial life.

Legal basis: Article 119 of the Civil Procedure Law of People's Republic of China (PRC) must meet the following conditions: (1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.